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Merchant Business Advance
UK Commercial Finance and Business Loans
Commercial Brokerage & Working Capital

Commercial Finance Built Around Your Cash Flow

Borrow from £5,000 to £500,000+ through our panel of approved UK commercial lenders. Compare revenue-linked Merchant Cash Advances with structured term loans.

Commercial Finance Enquiry Estimator

Explore SME Commercial Funding Options

Compare revenue-linked Merchant Cash Advances with structured commercial business loans to see which structure fits your cash flow.

£25,000
£5,000£50,000£200,000+

Merchant Cash Advance Summary

Borrowing Capital:£25,000
Repayment Mechanism:10% – 12% of daily card takings
Illustrative Factor Rate:1.18
Total Repayable (Fixed):£29,500
No late fees or compounding interest. If daily card sales drop, repayments automatically decrease.
Check Eligibility Online
*Merchant Business Advance operates as an independent commercial finance broker. Commercial funding is subject to lender status, trading track record and underwriting assessment. We do not provide guaranteed loan approvals or fabricate interest rates.

Commercial Finance Facilities

Select any commercial facility below to review terms, eligibility requirements, and repayment structures.

Business Loans
UK Commercial Finance

Business Loans

Structured commercial loans from £5,000 to £500,000 to finance capital expenditure, expansion, and business growth.

Merchant Cash Advance
UK Commercial Finance

Merchant Cash Advance

Fast, flexible business funding repaid as a small agreed percentage of your daily customer card payments.

Unsecured Business Loans
UK Commercial Finance

Unsecured Business Loans

Fast commercial borrowing based on company creditworthiness and cash flow without requiring property charges.

Secured Business Loans
UK Commercial Finance

Secured Business Loans

High-value commercial facilities from £50,000 to £2,000,000+ backed by commercial property or business assets.

Small Business Loans
UK Commercial Finance

Small Business Loans

Tailored commercial lending for independent high-street firms, local trades, and growing SME enterprises.

Working Capital Finance
UK Commercial Finance

Working Capital Finance

Short-term operational financing to support wages, supplier invoices, inventory purchasing, and seasonal dips.

Asset Finance & Equipment Leasing
UK Commercial Finance

Asset Finance & Equipment Leasing

Hire purchase and leasing facilities that let you acquire critical machinery, IT hardware, and vehicles without burning cash reserves.

Invoice Finance & Factoring
UK Commercial Finance

Invoice Finance & Factoring

Cash flow funding that advances up to 90% of the value of unpaid B2B customer invoices within 24 hours of generation.

Short-Term Business Loans
UK Commercial Finance

Short-Term Business Loans

Agile 3 to 12-month commercial loans designed for fast turnaround and rapid payback on immediate business opportunities.

Business Expansion Finance
UK Commercial Finance

Business Expansion Finance

Growth capital structured to fund new premises fit-outs, geographic expansion, acquisitions, and team recruitment.

Cash Flow Loans
UK Commercial Finance

Cash Flow Loans

Working loans designed to stabilise operating balances through unexpected slowdowns or seasonal lulls.

VAT Loans & Tax Bill Finance
UK Commercial Finance

VAT Loans & Tax Bill Finance

Specialised commercial facilities that pay HMRC directly on your behalf, allowing you to spread the cost over 3 to 12 months.

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